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2nd Letter to OC after request for Verification


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Is this too much ?


Dear Sir/Madam,

I had sent you a request to verify my debt, account no.XXXXXX on February 20th 2007.

According to the Fair Credit Reporting Act (FCRA), I have the right to request a verification of the debt and you are obliged to provide me the relevant documentation. You now have numorous violations of the FCRA. You are REQUIRED to report the debt as disputed to the Credit reporting agency (FCRA Section 623, $1000.00 fine),you are not allowed to re-age the debt (FCRA Section 605 © Running of the reporting period, $1000.00 fine), not to mention violations of the FDCPA (Sec 809 (B), FTC opinion letter Cass from LeFevre) . I have received no reply from you except for the confirmation of receipt of letter on 02/21/2007 from the US Postal Service .

You are now in violation of the FCRA and subject to a fine of $1,000 per violation (refer to the act for updated value), which I may collect by filing a claim.

This matter can be settled simply by removing your entry from my credit file within 10 days of reciept of this letter.

I have already won similar lawsuits. If you agree to the terms above mentioned, I will not proceed with any court action, however, if not, I intend to continue with the suit as well as forward copies of all records in my possession that document my attempts to correct this situation to the individuals below. (ie. Certified Return mail/reciepts, Credit reports which shows your refusal to mark this account as being disputed by me and your verifying the account while the account is under dispute.) The forementioned documentation clearly proves willful non-complience of the law

Greg Abbott; Capitol Station; P.O.Box 12548, Austin, TX 78711-2548 Federal Trade Commission; CRC-240; Washington, D.C. 20580

This will result in a bad mark on your reputation. This might even result in serious legal trouble with the FTC and other state and federal agencies.



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The FCRA is not a per violation statute. It's $1000 for one or as many violations as they can do, unless you have a consumer protection state law that trumps. You can get more if you have actual damages and punitive damages.

Also, the FDCPA doesn't apply to OC's. It only applies to the debt collectors NOT the original creditors see 1692a(6). Definition of debt collector.

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Your letter has a severely threatening overtone. Although I understand the frustration inside you which your overtone was born from (as do many of us who participate here) you might want to consider revising it with a slightly less threatening tone.

It's been my experience that more flies are caught by using Honey rather then vinegar.

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